Which card has the lower annual fee?

KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.

Which card has the lower income requirement?

OneSiam KBank Credit Card lists a minimum monthly income of ฿50,000.

Which cards are secured (FD-backed)?

KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

OneSiam KBank Credit Card vs KBank Secured Card

Honest side-by-side comparison of OneSiam KBank Credit Card, KBank Secured Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

OneSiam KBank Credit Card

KBank

Card 2

KBank Secured Card

KBank

Your adjusted comparison

Feature	OneSiam KBank Credit Card KBank	KBank Secured Card KBank
Fees & eligibility
Annual fee	฿3,999	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿50,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	฿351/yr	฿750/yr
Online shopping	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo	—
Top reward rate	Boosted / fee-waiver path	0.5% cashback
Primary reward cap	฿2,000 rewards/mo cap	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

OneSiam KBank Credit Card details →KBank Secured Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank Secured Card leads OneSiam KBank Credit Card by about ฿399/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ฿23,000/mo

฿23,000/month total spend — typical Thailand user

Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000

OneSiam KBank Credit Card vs KBank Secured Card comparison table
Feature	OneSiam KBank Credit Card KBank	KBank Secured Card KBank
Fees & eligibility
Annual fee	฿3,999	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿50,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	฿351/yr	฿750/yr
Online shopping	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo	—
Top reward rate	Boosted / fee-waiver path	0.5% cashback
Primary reward cap	฿2,000 rewards/mo cap	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.
Which card has the lower income requirement?: OneSiam KBank Credit Card lists a minimum monthly income of ฿50,000.
Which cards are secured (FD-backed)?: KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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